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Chapter 3 of 10 · Rates, lenders and switching · Mortgage repayment calculator

Mortgage repayment calculator

What will I pay each month?

Checked 21 Oct 2026the standard repayment formula Irish lenders use.

Enter the loan, the rate and the term. The tool works out the repayment each month, the interest over the whole term, and a table of every year. Add a fixed period to see the payment after it ends.

The loan

How much, at what rate, over how long?

The tool uses the standard repayment formula. A lender's own figure may differ by a few euro with its day count and its APRC. It does not say which rate is right for you.

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Say what you are doing, who you need and where. Each professional gets only what they need to quote, and only with your say-so. Asking costs nothing.

  1. What you are doing
  2. Who you need
  3. The home and where
  4. Your details
What are you doing?

Sources: CCPC: mortgage comparisons

Information, not advice. This tool applies the published rules to the figures you enter. It does not say what a lender will offer you, what a home is worth, or what is right for your money. Everything runs in your browser and nothing you type is sent to this site. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.